Credit Cards
Low interest rate or more rewards? Get a credit card that could suit you
Q Rewards - Earn
2 Points
for every dollar spent on Eligible Transactions5
Earn Q Rewards® points and enjoy travel perks
Platinum Visa Credit Card
Enjoy Q Rewards® points for every dollar you spend on Eligible Transactions5 , plus get access to complimentary international travel insurance and extended warranties20 .
- 0% p.a. on balance transfers for the first 14 months, reverting to the cash advance rate thereafter12
- Get 30,000 Bonus Q Rewards® points when you spend $3,000 on Eligible Transactions within 90 days of card approval14
- Discounted annual fee of $60 for the first year (normally $129)21
Balance transfers
0 % P.A.
For the first 6 months16
Earn Q Rewards® points with a Blue Visa Credit Card
Blue Visa Credit Card
Earn Q Rewards® points and redeem them for a range of merchandise, gift cards or even your next holiday!19
- 0% p.a. on balance transfers for 6 months, reverting to the cash advance rate thereafter16
- Earn 1 Q Rewards® point for every dollar spent on Eligible Transactions19
- Complimentary purchase cover insurance 20
Balance transfers
0 %P.A.
For the first 12 months18
Save with lower interest rates
Low Rate Visa Credit Card
Why pay high interest rates? With our Low Rate Credit Card, you can save straight away with our balance transfer offer18
- Low interest rate on purchases
- 0% p.a. on balance transfers for the first 12 months, reverting to the cash advance rate thereafter18
- Low annual card fee of $55
| Platinum Visa Credit Card | Blue Visa Credit Card | Low Rate Visa Credit Card | |
|---|---|---|---|
| Credit Card Summary | |||
| What does this card offer? | Earn 2 Q Rewards® points for every 1 dollar spent on Eligible Transactions5 , plus all the added perks of a platinum credit card. | Earn 1 Q Rewards® point for every 1 dollar spent on Eligible Transactions5 . | Save more with a low interest rate on your purchases. |
| Special Offers |
• Discounted annual fee of $60 in the first year* (normally $129) • 0% p.a. on balance transfers for the first 14 months (reverting to the cash advance rate below)12 . • Get 30,000 bonus Q Rewards® points when you spend $3,000 on eligible transactions within 90 days of card approval14 . |
• 0% p.a. on balance transfers for the first 6 months (reverting to the cash advance rate below)16 | • 0% p.a. on balance transfers for the first 12 months (reverting to the cash advance rate below)18 |
| Minimum Income Requirement | $35,000 | $25,000 | $25,000 |
| Age | 18 | 18 | 18 |
| Interest Free Period## | Up to 55 days | Up to 44 days | Up to 55 days |
| Minimum Credit Limit | $6,000 | $2,000 | $2,000 |
| Rates | |||
| Standard Purchase Interest Rate | 20.74% p.a. | 20.74% p.a. | 13.49% p.a. |
| Cash Advance Rate | 21.74% p.a. | 21.74% p.a. | 21.49% p.a. |
| Fees | |||
| Annual Fee | Discounted annual fee of $60 in the first year* (normally $129) | $60 | $55 |
| Additional Card Fee | Up to 4 free | $15 | $15 |
| Q Rewards® | |||
| Q Rewards® Points5 |
Earn up to 2 Q Rewards® Points for every 1 dollar spent on Eligible Transactions5
See rewards points |
Earn 1 Q Rewards® point per for every dollar spent on Eligible Transactions5
See rewards points |
|
| Points Capping | Uncapped | Uncapped | N/A |
| Voucher, Gift Certificates & Merchandise Rewards | |||
| Cash Back Rewards | |||
| Platinum Personalised Rewards program | |||
| Personal Concierge | |||
| Take Flight++ | |||
| Insurance11 | |||
| Purchase Cover Insurance | |||
| Extended Warranty | |||
| Complimentary International Travel Insurance | |||
| Guaranteed Pricing Scheme | |||
| Transit Accident Insurance | |||
| Interstate Flight Inconvenience Insurance | |||
| Security | |||
| Pen or PIN | |||
| Fraudshield | |||
| Emergency Card Replacement within 24 hours (Australia) | |||
| Additional Features | |||
| Worldwide Visa Acceptance | |||
| Visa PayWave | |||
| 24 Hour EasyPhone and Internet Banking | |||
